Personal banking

Bank Accounts

Special Offer

Earn $300 and pay no monthly fee for up to 12 months when you open a new CIBC Smart Account.

Bank your way

We offer the access you expect with top-ranked online and mobile banking, plus one of the largest ATM networks across Canada.

Sign up with ease

Apply for an account in just a few minutes — online, by phone or in person.

Enjoy great value

Get the most from your accounts with our great tips and expert guidance. We can help steer your finances in the right direction.

Find the best bank account for you


Our featured accounts


CIBC Smart™ Account


Special offer

Earn $300 and pay no monthly fee for up to 12 months when you open a new account.


Free Interac e-Transfer® transactions1

Monthly fee waiver available2

Monthly fee: $4.95 to $14.95

Transactions3, 4

Up to 12: $4.95

13 to 20: Additional $1.25 each

Unlimited: $14.95


Free online transfers between your CIBC personal bank accounts

Monthly fee: $0

Interest rate: RDS%rate[3].CESA.Published(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O2#)% on every dollar5

Transactions3: $5.00 each


CIBC Smart™ Plus

Special offer

Earn $300 when you open a new account. Plus, enjoy all-in-one banking with over $500 in value.◊◊


Includes a premium CIBC credit card with annual fee rebates6,7

Unlimited transactions including Interac e-Transfer service8

Unlimited ATM cash withdrawals in Canada, the U.S. and internationally9

Monthly fee rebate available10

Monthly fee: $29.95

Transactions3: Unlimited

Great services and features

Overdraft protection



Gas pump, CIBC logo and Journie Rewards logo

Gas savings

Automate your banking

Pre-authorized payments

Recurring fund transfers

Direct deposit

How to

Order foreign cash online

How to

Open a joint account

Flying paper airplane made out of money

How to

Send money with Interac e-Transfer®